It is not easy to pass, but it still needs to meet the conditions. ICBC is within the grace period of repayment. As a state-owned bank, ICBC has strict requirements on credit card risk control. Because of some unexpected situations, you can't repay the credit card bill. You can negotiate with ICBC, but you need to meet the conditions. First of all, the credit card is overdue for more than 3 months, and the credit card bill has seriously exceeded the repayment ability. Secondly, there is a good willingness to repay and a stable source of income. Then these situations can be negotiated with the industry and commerce for repayment.

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1. When negotiating repayment, cardholders need to pay attention to some negotiation skills. First, the cardholder should propose a negotiated amount acceptable to both parties, so that the bank will have more room for retrogression and adjustment. Second, the cardholder should be prepared to prove that he has difficulties in repayment at present, but he still has certain repayment ability, and then ask ICBC for interest reduction. Third, if ICBC refuses the cardholder's request to negotiate repayment, the cardholder can directly contact the CBRC to make a complaint. However, this process usually takes a long time. In the meantime, ICBC's collection staff will continue to collect money.

When the money owed to the credit card cannot be repaid, you can call the credit card customer service center of the bank. At this time, you can apply for deferred repayment. Most banks will agree, but you may spend some money when you delay repayment. After the bank agrees, it can effectively avoid the deterioration of personal credit and repay the loan on time in the future. Credit cards also provide users with installment repayment or minimum repayment amount when individuals are unable to repay. These two repayment methods can effectively reduce the monthly repayment amount, but they need to pay a certain fee. Generally, the number of installments is selected according to your monthly income. When using the minimum repayment amount, generally only 65,438+00% of the current bill is repaid. Although the repayment amount is reduced, all creditor's rights consumed during this period bear interest from the date of borrowing. This repayment method pays more interest, so users should use it carefully to avoid paying more interest.

3. ICBC's credit card has no repayment grace period. Once the cardholder fails to fulfill the repayment obligation on the final repayment date, it is the overdue behavior of the credit card, which will not only generate penalty interest, but also affect the cardholder's personal credit. Cardholders can try to negotiate repayment with the bank and provide proof materials. Be sure to explain to the bank the specific reasons why your credit card is overdue, such as unemployment, bankruptcy, serious illness, etc. If there is no special reason, banks generally will not agree to negotiate installment repayment.